Organisation and charities that can help you.

HELP WITH YOUR FINANCES

StepChange (formerly the Consumer Credit Counselling Service) is the leading debt charity in the UK providing free advice, help with budgets and debt management plans tailored to your personal situation.

Citizens Advice provides free, independent and confidential advice on getting out of debt, and a variety of other issues. With branches across the UK they have useful resources online, such as debt FAQs and budgeting tools.

The Money Charity (formerly Credit Action) is a charity with over 20 years’ experience in money management. As well as free and confidential advice, they provide several useful money management apps, such as the “Spendometer”.

AdviceUK is the UK’s largest support network for free, independent advice centres. AdviceUK was formed in 1979 as the Federation of Independent Advice Centres (FIAC). As a UK-wide organisation AdviceUK is a key member of the Advice Services Alliance.

National Debtline is a debt charity providing free, confidential and impartial advice and a library of online resources – including an information pack, personal budget planning, sample letters and information that will allow you to determine whether you qualify for a debt relief order. Visit the National Debtline library to view a range of fact sheets.

The Financial Ombudsman Service was set up by law to resolve individual disputes between consumers and financial services businesses. It can deal with complaints about a wide range of financial and money matters, from insurance and mortgages to investments and credit.

Legal aid can help you pay for legal advice, family mediation and representation in court and some tribunals. This could include help for housing, debt, family or education problems. You can also get legal aid if you’re accused of a crime.

Money Advice Scotland (MAS) is the national umbrella organisation which promotes the development of free, independent, impartial, confidential money (debt) advice and financial inclusion. The organisation is a registered charity, with clear charitable objectives.

DEALING WITH A LOSS

The Continued Path website offers links to free, independent support organisations as well as practical advice for survivors in the areas of heath & wellness, wills & probate and estates & finance. This site is designed purely to provide an objective online resource, available at the visitor’s convenience with useful information including definitions for common terms associated with the probate process.

HEALTH ISSUES RELATED TO DEBT

welldoing.org is an independent, UK-wide directory of therapists and counsellors who are all members of reputable professional organisations. It also supplies information and advice in the areas of mental health, wellbeing and self-development

DATA PROTECTION

The Information Commissioner’s Office is the UK’s independent authority set up to promote access to official information and to protect personal information

DEBT AND MENTAL HEALTH

A free 44-page PDF booklet supported by Mind, Rethink, CAPUK and others, for people with mental health problems and those caring for them.

It covers how to handle debts when unwell, work with banks, free debt counselling, specific tips for bipolar disorder or depression sufferers, whether to declare a condition and more. View the guide

MENTAL HEALTH

A free 44-page PDF booklet supported by Mind, Rethink, CAPUK and others, for people with mental health problems and those caring for them.

It covers how to handle debts when unwell, work with banks, free debt counselling, specific tips for bipolar disorder or depression sufferers, whether to declare a condition and more. View the guide

CREDIT REFERENCE AGENCIES

Credit reference agencies (CRAs) obtain information from creditors (bank or building society, government department, local authority or utility company etc) and then these creditors make decisions about granting and recovering credit from customers based on the information held by the CRAs. Some of this information will be stated in the credit file the credit reference agency maintains about you. You can ask the credit reference agencies for a copy of your credit file at any time. They may charge a fee for this service. If there is anything incorrect on your credit file, you can ask them to add a “Notice of Correction”. You can find more information about dealing with incorrect entries or your credit history and credit file by contacting the CRA’s below;

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